Credit Card VISA Gold

  • International credit card with high transaction and credit limits
  • Exclusive proposals with Programme Visa Luxury Hotel Collection and special premium offers for your private and business trips.
  • Guarantee for bookings of car rental, airline tickets, hotels, as well as purchases of various goods and services on the Internet.
  • Free insurance "Assistance in travelling and accident"
  • Secure payments on the Internet You get a card with automatic subscription for the service
  • Automatic participation in PLUS Programme You collect and spend points in any card purchase in our partner network Programme.
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Credit Card VISA Gold
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Features and Fees

Visa Gold credit card gives you the convenience, flexibility and security wherever you use it.

With it you have a higher transaction and credit limits and additional benefits.

As a holder of Visa Gold card you can take advantage of the special offers of Premium programme Visa Luxury Hotel Collection of Visa Europe - a selection of exclusive benefits and discounts in chain hotels, as well as suggestions for cruises and exotic trips, that will make your travels more pleasant.


Interest rate

1.60% monthly calculated on the basis of the utilized but not repaid part of the credit limit

Annual fee

50 EUR

Annual expense ratio

25.58% at used credit limit of 5000 BGN restored for 1 year

Credit limit

From 5000 BGN up to 60,000 BGN

Minimum net monthly income

1000 BGN

Minimum repayment amount

3% of the approved credit limit

Grace period

Up to 45 days for purchases at POS terminal

Due date

From 1st to 15th of the month

Coverage

International

Preferential and special programmes

  • Free Insurance

  • Automatic and free of charge activated service Secure payments on the Internet

  • Programme PLUS

Discounts and boutique offers

  • Advantages and discounts with programme Visa Luxury Hotel Collection of Visa Europe

  • Special premium offers from Visa for your private and business trips

Functionality

Chip and magnetic stripe

Currency

BGN, EUR and USD

Credit limit validity

2 years

Card validity

4 years

Time limit for issuing

5 working days for standard

within 48 hours for express orders

Additional card

Yes, according to the tariff

Liabilities repayment

  • Direct debit - automatic repayment of a minimum repayment amount and all credit card liabilities from other bank accounts
  • Mobile or online banking - repayment of a minimum repayment amount or larger amounts directly to the card account
  • Installments at ATM - with cash deposit  to a credit card account
  • At cashier in the bank branch to a credit card account

24/7 customer service center

In emergency situations or when you need to check your card balance

Statements and notifications

  • Free of charge monthly statement of account via e-mail
  • Free of charge SMS reminder and e-mail 5 days prior to the date of the amount due and 3 days afterwards

Tariff

View the full Tariff, as well as the General terms and conditions

Issuance and service

Parameters

Value

Issuing

Free of charge

Express issuing/re-issuing

50 EUR

Re-issuing after on the expiry date

Free of charge

Re-issuing before the expiry date

10 EUR

Annual service fee of a main card

50 EUR

Annual service fee of the additional card

35 EUR

Change of the card parameters

5 EUR

Additional card

Yes

Benefits and package programmes

Programme PLUS

Exclusive offers by Visa

Free of charge insurance

Free of charge Virtual PIN

Transaction fees

Parameters

Value

Payment in merchant outlets in the Internet, in Bulgaria

No fee

Payment of goods and services in the Internet, abroad

0.50 BGN

Withdrawing cash from ATM:

of the bank

1,50% + 1.50 EUR

of another bank in Bulgaria

2,50% + 3.50 EUR

abroad

3% + 4 EUR

Balance inquiry at ATM in Bulgaria

0.50 BGN

Transactions in the systems ePay.bg/B-pay

0.20 BGN

Cash withdrawal at POS terminal:

in branch of the bank

1% + 3 EUR

of another bank in Bulgaria

2,50% + 3.50 EUR

abroad

3% + 4 EUR

 

Transaction limits

Parameters

Value

Payment at POS terminal at a commercial outlets

15 000 BGN for 1 transaction

20 000 BGN for 24 hours

30 000 BGN for 7 days

Cash withdrawals from ATM and from POS at bank branch in Bulgaria

4 000 BGN for 1 transaction

6 000 BGN for 24 hours 

10 000 BGN for 7 days

Cash withdrawals from ATM and from POS at bank branch abroad

1 000 BGN for 1 transaction

4 000 BGN for 24 hours 

10 000 BGN for 7 days

Total number of payments within a period

40 for 24 hours

60 for 7 days

Application of the Card

  • Booking and rental services - cars or airline tickets and hotels
  • Payment of products and services offered in merchant outlets at POS terminal in the country and abroad
  • Collection points and payments with points at  merchant outlets involved in PLUS Programme; Cash withdrawals at ATM and POS terminal in any bank branch
  • Payment of monthly bills for electricity, central heating, phone and other services offered in the Internet through the ePay.bg system (the transaction can be executed after a registration at an ATM)
  • Payment of bills and services from an ATM in Bulgaria through the B-Pay system
  • Account balance, PIN change and information on the last five transactions only at ATMs in Bulgaria

How to Apply

Required documents and terms

  • Minimum net monthly income BGN 1,000
  • Client’s ID card
  • Income other than employment relationship or without income transfer to bank account evidence
  • Foreigners should a resident permit for Bulgaria
  • Application form for credit card when visiting UniCredit Bulbank branches

Apply for your Visa Gold

Online

Fill in the online form and our consultant will contact you.

Apply


In branch of the bank

Apply for the card in any bank branch.


Through the online and mobile banking

Bulbank Online
Bulbank Mobile

PLUS Programme

PLUS Programme is specifically developed for all customers using credit and debit bank cards. Your participation in the programme gives you an opportunity to automatically collect points with card purchases in merchant outlets our partner network. 

The collected points can be used for purchase of goods and services in the whole partner network.
Review all current campaigns of our partners

Security tips

Take care of your financial security by following a few simple rules when using your card.

Additional Card Services

Other credit card offers

Bulbank Mobile

Install the bank in your mobile phone!

Learn more

Install our mobile banking app Bulbank Mobile and manage your accounts anywhere anytime.